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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,982 | $48,432-21.6% | $121,210-68.7% | $71,529-46.9% |
| Participation rate | 68.0% | 54.3%+13.7pp | 69.5%-1.6pp | 67.9%0pp |
| Annual return | 49.57% | 23.28%+26.3pp | 987.41%-937.8pp | 28.97%+20.6pp |
| Employer contribution / active EE | $3,287 | $1,493+120.2% | $4,171-21.2% | $2,590+26.9% |
| Participant deferral / active EE | $5,409 | $2,756+96.2% | $4,084+32.4% | $4,291+26.0% |
| Admin fee / account holder | $386 | $1,845-79.1% | $5,647-93.2% | $1,588-75.7% |